My Client is a publicly listed NBFC, pioneering 100% digital loans in India with zero manual intervention.

Role: Senior Finance Manager

Location: Mumbai

We are looking for a Chartered Accountant with deep experience in digital lending who can own and scale our finance operations, portfolio health tracking, and financial reporting.

Key Responsibilities:

1. Loan Book & Portfolio Management

- End-to-end oversight of Apollo Finvest's loan book across direct sourcing, co-lending, and BC partnerships.

- Build and maintain real-time dashboards to monitor loan book performance (NPA %,PAR, collections efficiency, etc.).

- Ensure accurate reconciliation of all loans (direct and partner-sourced) with bank statements, LMS, and accounting systems.

2. FLDG & Partnership Management

- Lead financial evaluations and ongoing monitoring of fintech partners with FLDG arrangements.

- Track and reconcile FLDG coverage, defaults, and recoveries.

- Manage co-lending and BC partnerships, including financial diligence, cash flow alignment, and MIS integration.

3. Evaluation & Due Diligence of NBFCs/Partners

- Conduct in-depth financial and risk analysis of NBFCs or non-NBFC entities for potential partnerships.

- Review promoter background, financial health (CAR, GNPA/NNPA, ALM), audit reports, and compliance status.

- Prepare recommendation reports for partnerships and investment decisions.

4. Financial Reporting & Compliance

- Prepare accurate and timely financial statements for Apollo Finvest (quarterly/annual), ensuring compliance with all SEBI and RBI regulations.

- Oversee statutory audits, internal audits, and RBI inspections.

- Manage tax planning, GST compliance, and other regulatory filings.

5. Automation & Process Optimization

- Work closely with the product team to automate reconciliation, reporting, and financial processes.

- Drive integration of finance dashboards into the loan management system (LMS) for real-time portfolio and risk visibility.

- Identify opportunities for automation in financial reporting and portfolio monitoring.

6. Strategic Financial Planning

- Prepare monthly MIS reports, cash flow forecasts, and portfolio analysis to support strategic decision-making.

- Collaborate with the leadership team to improve margins, reduce defaults, and optimize lending operations.

- Evaluate ROI and financial performance of all lending partnerships and products.

Key Skills & Experience:

- Must be a Chartered Accountant (CA) with 4+ years of experience, preferably in digital lending or fintech-NBFC models.

- Strong experience with unsecured personal loans and FLDG models in co-lending and BC partnerships.

- Deep knowledge of NBFC operations, RBI compliance norms, and financial reporting requirements for publicly listed companies.

- Hands-on experience in loan reconciliation, portfolio health tracking, and real-time dashboards.

- Proven track record of due diligence of NBFCs and fintech companies.

- Mindset of automation and process innovation, with experience working with product/tech teams.

- Strong analytical skills, with expertise in financial modeling and KPIs (NPA %, PAR, interest yield, etc.).

- Proficiency in Tally, Excel (advanced), and familiarity with ERP/LMS systems.